When approving applicants, we review their entire credit profiles. We consider things like FICO score, debt to income ratio, and credit history. These are just a few things we review when processing an application. This means we are not looking for people with just one specific FICO score.
Applying is always recommended to get an instant decision. The great news is, applying has zero impact on your credit score.
Start an application by finding your preferred provider here: https://search.patientfi.com/